FUNCTIONING OF EMPLOYEE PENSION PROGRAMS IN WARMIA AND MAZURY VOIVODESHIP
The paper presents the market of employee pension programs (EPP) in Poland during the years 1999-2005, discusses the premises for participation in the program and presents qualitative assessment of insurance based employee pension programs functioning in Warmia and Mazury voivodeship. The analysis was carried out on the basis of unrestricted interviews with employers operating employee pension programs, employees participating in them and representatives of insurance companies involved in establishment and servicing the EPPs as well as indirect questionnaire based interviews (using two questionnaire formats). The conducted studies indicate that the insufficient level of pension benefits from social insurance is the main motivation for joining the EPP. Participation in the program is also determined by the fact that the basic premium is financed by the employer.
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